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5 Best Online Banks That Offer Full Services

Online banks often have physical branches and combine traditional banking with digital access.

Written by:Staff
Updated:November 13, 2004

Online banks offer a full range of services similar to their traditional brick-and-mortar counterparts, including checking and savings accounts, money market accounts, certificates of deposit (CDs), loans, and credit cards. Many online banks also provide investment options, bill pay, mobile check deposit, and robust customer service through digital channels.

When comparing online banks with traditional brick-and-mortar locations to digital-only banks, it’s important to note that the largest online banks with physical branches don’t always offer the most competitive savings rates. In fact, many of these well-known institutions provide lower annual percentage yields (APYs) on savings accounts—sometimes less than 0.05%—while digital-only banks and online divisions of regional banks frequently offer rates above 4% APY.

5 Best Online Banks That Offer Full Services

1. PNC Bank: $560.15 billion

PNC Bank is one of the largest diversified financial services institutions in the United States, offering a comprehensive suite of banking products and services for individuals, businesses, and institutions.

Personal Banking Services:

Checking and savings accounts, including the popular PNC Virtual Wallet, which combines checking, savings, and financial management tools.
Credit cards with various rewards and benefits.
Mortgage loans, auto loans, and personal loans.
Online and mobile banking, including mobile check deposit, bill pay, and account management.
Financial wellness resources and planning tools

PNC Bank has more than 2,300 branches 28 states and Washington, D.C. and is investing heavily in both physical branch expansion and digital banking technology. As of 2025, continues to roll out new digital platforms and services aiming to enhance customer experience across all channels.

Final thoughts

Traditional banks are more likely to charge monthly maintenance fees or require higher minimum balances to avoid fees, whereas digital-only banks typically have no monthly fees and low or no minimum deposit requirements. This means that customers seeking to maximize their savings returns and minimize fees may find better value with digital-only banks compared to the largest online banks that maintain physical locations.